What happens when credit card caps get imposed? A major banking executive just raised serious concerns—and his points deserve attention. Limiting interchange fees might seem like consumer protection, but the ripple effects could work against everyday people. Higher costs for banks often translate to restricted access, reduced rewards, and tighter lending standards. The economy doesn't operate in isolation either. Financial services are interconnected with broader economic health. When you squeeze one part of the system, growth and innovation suffer. Payment infrastructure that works smoothly today could face real pressure tomorrow. This isn't just about banking policy—it's about how capital flows, credit availability, and market efficiency actually work in practice.